Whenever you are shopping for a credit card, it goes without saying that you want the best possible card that you can get. If you have a good credit score, then the Citi Double Cash is one of the best options that you can go for. This is due to the several advantages that the card offers.
You get a 1% cash back offer whenever you make any purchases using the card. Also, whenever you pay off the full balance on your credit card in cash and not in points, you will earn 1% of it back. This is among the highest rewards in the industry at the moment. This is a great incentive to pay off your balances on time. However, even if you cannot pay off all the balance at a go, as long as you pay off the balance over time you still qualify to earn the 1% back. The faster you pay off your balances, the faster you will earn your cash back, so if you can pay off your balances in full every month, so much the better.
There is no limit to the rewards that you earn; therefore you don’t have to worry about hitting a certain maximum spending limit. As long as you pay off your balances in time you will get your cash back. As long as you keep spending and paying your balances, then you will keep earning your money back.
The card offers a 0% period on purchases for 15 months. This means that you will be charged a 0% interest rate for any purchases that you make within that period. You can take advantage of this offer, especially if you are trying to make a large purchase. You can buy whatever you want and aim to pay off the amount used before the 15 month period is over. The card also provides a 0% APR on card transfers.
The other great advantage of this card is that if you ever forget to pay off your first credit card balance you will not be charged a late fee. The company will give you a late fee pass. This will keep your expenses low, as long as you always remember to pay off your balances in time.
No annual fee is charged for this card. This makes it an ideal option if you are looking for a primary credit card. If your expenses are broad and you make purchases from a broad range of merchants, then this would be an ideal card for you.
Another great advantage of the card is its price rewind feature. This means that whenever you make any purchases with your Citi Double Cash Card, the company will search multiple websites online for the particular item you buy within 60 days. If they find the item being sold at a lower price than the one you paid, they will reward you the difference in price.